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Fake medical bills format for Healthcare

hey y'all welcome back today I wanted to talk about getting medical bills removed from collections I think this is something that most people aren't aware of how to do this especially here in the states I think we're accustomed to looking at medical bills as these massive you know financially draining expenses and that you know we really just can't get around having to pay them you know there's just like no way to to get around having to actually pay them because if we don't pay them it'll end up affecting our credit score so it's like there's really no way around it but despite the fact that the medical industry is responsible for bankrupting Millions you actually do have rights and there's something that you can do to protect yourself from having a negative mark on your credit report due to a medical bill and having to pay additional interest on something that was more than likely out of your control so right now many people are dealing with catastrophic health issues that in most cases are completely unexpected so to have the additional burden of being stopped by you know debt collectors while going through some really trying times it's just plain old and Humane so I want to give y'all some tea on the secret loophole that many people don't really know about to not only get your medical bills removed from your credit report but to prevent your health care provider from sending your unpaid medical bills to collections in the first place so if that sounds good let's go ahead and get into the tea so something that you may not have known as of July 2022 any paid medical bills are no longer allowed to be reported and any medical debt under 500 will no longer be included on your credit report and so this is a widespread bill that has been passed okay so anything under 500 will not be included on your credit report [Music] so the way that it works is usually any unpaid medical bills are often placed with the collection agency prior to notification okay so you won't be notified of this usually after an insurance payment doctors and hospitals will just simply assign the debt to a third party debt collector without even billing the patient to begin with and there's really no explanation other than just its poor accounting habits but see a patient should be notified they should know this that they actually have a balance before it hits your credit report so that's the way that it should be okay so but in recent years all right the federal government has made it a lot harder for these people doctors and hospitals to ruin you know a patient's credit history so one of these changes is that you have up to six months to negotiate and review your medical bills prior to them being sent to the collections agencies this will lower the amount of people who've been blindsided by having medical bills just on their credit reports and not really knowing where they came from or you know having even being notified that they were existed in the first place so the three major credit bureaus Experian Equifax and Transunion requiring a 180 day waiting period before the medical debt is added to consumer credit reports [Music] so like if you notice a medical bill that's been on your that's on your credit report it doesn't really help you to actually just pay it right so don't just pay it right then and there unless you've disputed the debt with the collections agencies simply paying the debt will do nothing more than just turning it into a pay collection on your credit report it's a bad Mark so don't just pay it what you want to do is negotiate it negotiate complete deletion of that credit in exchange for paying it off so you want them to completely delete it from your report completely all right so that's not on there don't just pay it tell them to make sure that they are able to delete it right before you pay so now here's the gist of this video okay here's the part where we're gonna really go into your rights under HIPAA okay Healthcare Providers are required to follow HIPAA regulations HIPAA regulations basically protect patience privacy okay so you can't be a doctor and Report certain things about your patients to third parties without following HIPAA rules okay and there's a lot of HIPAA regulations that protect you so they can't just report your health information without making sure that they follow HIPAA regulations so HIPAA is actually a U.S federal law okay and it protects patient information so the purpose of HIPAA is to make sure that medical records are unavailable for parties that don't need them like employers bill collectors insurance companies so the PIP of Privacy Rule requires business associates or collections agencies to reasonably limit the amount of information to the minimum necessary okay and to abide to reasonable requests for confidential Communications so they had to limit the amount of information that they're receiving from these hospitals and doctors okay under HIPAA now this could be the loophole for debtors against collections agencies because collect employees often know less about their industry all right than the debtor does so these people who work for these collections agencies needs may not understand the concepts of around HIPAA and privacy regulations so this could lead to HIPAA violations and then so you will have a legal standing against these people if they've requested too much information from your doctors from your doctor or your hospital [Music] so basically in this situation what you want to do is you want to contact the collections agency okay in a very professional manner and request that they provide to you or disclose to you the actual debtor and the patient all of the medical information that they requested and that they received from these hospitals and the or your doctor okay to make sure that this information does not violate your privacy rights under HIPAA so if you currently have medical collections on your credit report here's what you want to do so the first move you'll make is you want to write a debt validation letter okay and it's important to submit this letter within 30 days of being contacted by the debt collector do not call them it's important to get all of this in writing so you want to write an actual letter I'm going to put a link to an example of a debt validation letter that you can send off to these collection agencies and you can actually use this for any other debt too not just medical debt but this will actually put their feet to the fire and make them provide all you know the details surrounding the debts that you're supposedly owe the Creditor information and things like that and so what happens is the collector must stop collections efforts until they provide the proof the written proof that you have in in that letter that your debt still exist so there are a few things to keep in mind when you're sending a medical validation letter okay a medical debt validation letter so the first thing that you want to do is you want to say that you were requesting that the medical collections agency provides the debt validation for the account number that's listed on your credit report make sure that you write Express in in your actual letter that if this collections agency does not provide the adequate information within 30 days then all of your debt needs to be removed from their credit report okay advice that all correspondence is done through the mail do not call or email you okay have them mail out the correspondence you want it to be in writing also in this letter requests that they give you all of the information all of your personal information that was given to them the collector debt collector by the Creditor by the doctor or the hospital they need to provide to you all of the information that the Dodger Hospital gave to them when processing this collection okay this will give you an idea idea of what kind of information that they were given and if it violates HIPAA or your Phi which is your personal health information now the information that doctors and hospitals are only allowed to give are the name of the debtor the social security number date of birth account numbers and payment history and the name and address of a health care provider or facility these are the only things that doctors and hospitals are allowed to give over to these collections agencies so if they've given even one thing that was more than what they're allowed to give that you have adequate grounds to make them remove your debt and if they don't then you have legal recourse and they probably won't try to to fight you on that because they violated HIPAA so again they're only that your doctor in hospital are only allowed to give the debt collectors your name your social security number your date of birth the account numbers and payment history involving this debt and then the name and address of the actual Health Care Facility so just to sum it up these collections agencies are not allowed to have any of your medical history or information they don't even allowed to know what this bill is associated with like what condition what you know what diagnosis you you received or what you know what you got done in relation to this actual bill whether or not it was a lab or anything else they're not allowed to know any of that because that's not on the list of things that they're allowed to give the Phi information so if they have any of that information and you've requested that within your letter then they will have to remove your debt they will have to because they've completely violated type of law so yeah I just wanted to do this video because I know a lot of people are dealing with a lot of health issues now and having debt and money issues around medical bills is just I mean it's a stress in and of itself and to add have being sick you know or in the hospital or even just dealing with some sort of medical problem it just adds on to the stress that you've already you're already dealing with so again the link to that letter is in the description hope you liked the video I hope it was helpful for you if you want more content like that subscribe help your girl out and until next time friends bye [Music]